According to a recent Gallup poll, 74% of Americans say it is a good time to buy a house, while 24% call it a bad time. That’s a big shift from the crisis years. Many of the positive responders also believe that homes are not overvalued yet. “These more positive views of the housing market…

Whether you’re purchasing a home or have an existing mortgage, STOP PAYING PMI! Everybody hates it, no one wants to pay it, and it’s expensive. So why are you paying it if you don’t have to? Unbeknownst to most loan officers and even more consumers, there’s a nice trick to avoiding traditional PMI on conventional…

Credit scores have such an impact on what we pay for items. The sticker prices aren’t affected but the interest we pay on those items is. Most people aren’t paying cash so the cost of an item is greatly affected by the interest they pay when charging it to their credit card. Or the interest…